| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $179K | $0 | $179K | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC | UNKNOWN CHICAGO, IL 60690 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $147K | $0 | $147K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | UNKNOWN NEWYORK, NY 10006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $580 | $580 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC | 3407 WEST DR. MLK JR. BOULEVARD SUITE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $134K | $64 | $134K | 6.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $133K | $107 | $133K | 6.10% |
| EMPYREAN INSURANCE SERVICES, INC.3 | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $55K | $55K | 2.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | UNKNOWN MIAMI, FL 33156 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 8.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 5.43% |
| INNOVATIVE WORKPLACE BENEFITS3 | UNKNOWN MIAMI, FL 33156 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 2.91% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | UNKNOWN MIAMI, FL 33156 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.67% |
| SURETY MARKETING3 | UNKNOWN MIAMI, FL 33156 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC | PO BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.01% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.74% |
| ASSUREDPARTNERS3 Filed as: EMPYREAN BENFIT SOLUTIONS, INC. | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2K | $2K | 11.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $989 | $0 | $989 | 4.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $756 | $0 | $756 | 3.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC | 3407 WEST DR. MLK JR. BOULEVARD SUITE 200 TAMPA, FL 33607 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $988 | $0 | $988 | 5.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $911 | $0 | $911 | 4.81% |
| EMPYREAN INSURANCE SERVICES, INC.3 | PO BOX 2569 BELLAIRE, TX 77402 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $0 | $570 | $570 | 3.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $0 | $224 | $224 | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $0 | $114 | $114 | 0.60% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 86 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,256 | $19.1M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $3.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $2.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $2.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $2.2M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,256 | $18.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,519 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,256 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.